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72 ity, and small resources, such a first letter is likely to kindle in them a dull resentment against one for not understanding their difficulties, This resentment may grow with each succeeding letter, until the debtor will hold back payment until he is forced to remit by legal action or the fear of it. Too frequent use of the expression “over- looked” indicates that the creditor has no other means than this hackneyed word for opening an avenue of ap- proach to obtain his money. It is quite effective, however, when not used frequently. Without a doubt, the “you have overlooked our account” letter is the most stereo- typed first letter in existence. Practically every tardy debtor has received them by the score.

Twenty-Two Specimen First Letters.

The following letters will be found of value for use as first letters, or they may of course be changed to fit the particular case.



Enclosed statement of account, which is now past due, has evidently been overlooked by you and if convenient, we shall be pleased to receive check to cover by early mail.

Yours respectfully,
 * Credit Department.

As stated before, the above letter, or letters of a similar strain, must not be used too frequently.



Faith in our customers does not allow us to become alarmed whenever payment is not made on the due date.